BlastPoint's Credit Union Scorecard
AMERICAN SPIRIT
Charter #15426 · DE
AMERICAN SPIRIT has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.5% in tier
- + Members Per Employee (MPE): Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.05% above tier average
- - Loan Growth Rate: Bottom 8.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,114
+0.2% YoY+0.0% QoQ
|
+9.5K |
2,625
-2.2% YoY
|
17,253
+10.0% YoY
|
33,089
+6.1% YoY
|
Top 0.5% in tier |
| Assets |
$70.5M
-5.0% YoY+0.5% QoQ
|
+$40.7M |
$29.9M
+1.1% YoY
|
$195.2M
+8.0% YoY
|
$547.7M
+7.8% YoY
|
Top 12.1% in tier |
| Loans |
$24.3M
-17.3% YoY-4.7% QoQ
|
+$8.6M |
$15.8M
-2.4% YoY
|
$121.5M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$61.9M
+2.4% YoY+3.9% QoQ
|
+$36.4M |
$25.5M
+0.4% YoY
|
$172.1M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Top 11.3% in tier |
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| ROA |
0.7%
+233.2% YoY-2.0% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
2.8%
+77.8% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
3.0%
+11.1% YoY+3.5% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.3%
+6.1% YoY
|
3.7%
+5.0% YoY
|
19% |
| Efficiency Ratio |
80.1%
-3.6% YoY-1.5% QoQ
|
-1.3% |
81.4%
-2.4% YoY
|
77.7%
-4.8% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
3.6%
+2.7% YoY-17.5% QoQ
|
+2.0 |
1.5%
-2.0% YoY
|
2.7%
+22.3% YoY
|
1.2%
-0.9% YoY
|
Top 9.8% in tier |
| Loan To Share |
39.3%
-19.2% YoY-8.3% QoQ
|
-21.9% |
61.2%
-3.0% YoY
|
48.0%
+0.7% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$7,119
-4.3% YoY+1.3% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$13,877
+1.3% YoY
|
$19,418
+1.3% YoY
|
15% |
| CD Concentration |
2.6%
-6.7% YoY-2.8% QoQ
|
-21.8% |
24.4%
+4.2% YoY
|
12.6%
+3.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.8%
-5.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)